HSA??

[jimhelm]

My health insurance is ridiculous. $249 per pay plus $15 for dental.
The HSA is $130 less. per pay. The deductible is $3000 annually for a family. If I opt for the HSA and contribute and extra $130 per week, it will take me 23 weeks to cover the deductible. If someone actually gets sick, I could have to pay another $3k max in that first year. it would take me 46 weeks to get to 6k.

If no one gets sick at all, I would have $6760 in my account to cover the next year, and that account would grow tax free at $6760 per year. subtracting no more than $3000 of ordinary medical expenses per year.

the only real risk I see is if one of us gets sick and needs a prescription filled before I have enough saved to cover it. Pills are expensive.

I have until tomorrow to decide what to do.

anyone have advice?